PAYMENT  OPTIONS

We accept cash, checks, Master Card. Visa, Discover Card, American Express, Care Credit and Wells Fargo.  

Wells Fargo offers an 18-month, interest-free, credit card for health care expenses:

 

PAYMENT  POLICIES

Patient Responsibilities:  Patients should check their insurance benefits prior to scheduling an appointment.  If your insurance plan requires prior authorization from your primary care physician (PCP) before seeing one of our physicians or audiologists, it is your responsibility as a patient to obtain a written referral and bring it with you to your appointment.  Your PCP may also fax the referral to us in advance.  Your referral must cover the type of appointment and services you will be receiving from us and correct date(s) when you will be receiving services from our practice.  

Deductibles, Copayments, and Co-insurance:  Insurance deductibles, copayments, and coinsurance costs are the responsibility of the patient and will be collected before your appointment.  Patients are responsible for any and all copays, deductibles and co-insurance amounts not paid by their insurance carriers.   

Insurance Participation:  Our practice participates with most insurance plans, including Medicare.  Participation with specific insurance carriers varies amongst our physicians.  When scheduling an appointment, please ask our office staff whether the physican you wish to see is an approved provider under your insurance plan. 

Prior authorizations for goods and services are requested from insurance carriers in advance, but insurance carriers will only provide us with an estimate of their coverage.   They do not guarantee what their actual reimbursement amount will be in advance.  Actual insurance reimbursement amounts may be different than quoted by the insurance company representative, subject to later review by the insurance plan's administrator and application of any and all copays, deductibles and co-insurance amounts.  Patients are financially responsible for any amount not paid by their insurance plan for goods or services.  

Office Visit Fees and Subsequent In-Office Procedures and Tests:  It is sometimes necessary to conduct a diagnostic procedure, lab test or therapeutic procedure during an office visit.  These procedures and tests may not be included as part of the routine charge for a standard office visit.  Any additional procedures and tests that are not covered under the standard office visit fee will be charged to the patient at the conclusion of the office visit.  This means that patients may pay for their basic office visit prior to the start of their appointment, and then also pay for additional tests, procedures, goods or services at the end of their appointment, as needed. 

Hearing Instruments and Related Audiology Services:  Payment for hearing aids, assistive listening devices, and hearing instrument repairs is due at the time of the hearing aid fitting or repair pick-up. Payment for hearing instrument accessories, cleaning or maintenance supplies and batteries is due at the time of purchase.  Fees for hearing instrument follow-up services after the patient's service plan ends will be collected at the conclusion of each hearing instrument recheck appointment.  Some insurance plans cover part or all of the cost of hearing aids, while other insurance plans do not.  We will obtain an estimate of your insurance benefits for hearing instruments from your insurance company.  Insurance carriers will only provide us with an estimate of their coverage.   They do not guarantee what their actual reimbursement amount will be in advance.  Actual insurance reimbursement amounts may be different than quoted by the insurance company representative, subject to later review by the insurance plan's administrator and application of any and all copays, deductibles and co-insurance amounts. Patients are financially responsible for any amounts not paid by their insurance plan for hearing instruments.  In the event that the insurance carrier pays less than expected for hearing aids, patients will be billed for the difference.  And in the event that the insurance carrier pays more than expected for hearing aids, patients will be credited with the difference.  Fees for hearing instruments and follow-up services are payable to Bloomfield Hearing.

Surgical Services:  It is the policy of our practice to collect all applicable deductibles, copayments, co-insurance, and any other out-of-pocket expenses for professional services prior to performing any surgery.  The professional fees for surgery are payable directly to Michigan Ear, Nose and Throat Associates and/or Bloomfield Facial Plastic Surgery.  Patients receiving in-patient or out-patient surgery at a hospital or surgical center may also be responsible for facility and anesthesia fees.  The surgical center or hospital where you will be having surgery will inform you of their facility fees and their payment policies and procedures.  Please see the list of hospitals and surgical centers for their contact information.  You will find this by clickiing on the Offices tab above.  The surgical centers are listed near the bottom of that page.